Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Owings Mills, MD
We monitor insurance prices, helping the average driver in Owings Mills save up to 26.9% on car insurance.
The Cheapest Minimum Coverage in Owings Mills
The chart below shows the cheapest car insurance company in Owings Mills for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Erie Insurance, Travelers, and Safeco Insurance.
| Owings Mills Insurer | Monthly Cost |
|---|---|
| State Farm | $102 |
| Erie Insurance | $103 |
| Travelers | $118 |
| Safeco Insurance | $122 |
Savings for Every Kind of Owings Mills Driver
Based on our extensive insurance data, we know the average Owings Mills driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $409 per year by choosing the right vehicle insurance company. Some Owings Mills residents are paying out over $2,199 extra every year for auto insurance in Owings Mills. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Owings Mills, MD Savings / Yr. |
|---|---|
$409 |
|
$384 |
|
$447 |
|
$722 |
|
$1,387 |
|
$248 |
|
$970 |
Owings Mills Car Insurance vs. Maryland
People living in Owings Mills pay an average of 18.67% more than the typical driver in the state. The average driver in Owings Mills can expect to pay about $1,499 per year, or $2,199 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Owings Mills for most people.
Car Insurance Prices by Owings Mills Neighborhood
Insurance Prices
Where is insurance cheapest within Owings Mills?
The map shows insurance prices in and around Owings Mills, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $495 per year within the city boundaries, with insurance premiums ranging from a high of $2,354 to a low of $1,859. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of Owings Mills.Pick the Best Car Insurance Company for You in Owings Mills
The best car insurance provider for most drivers in Owings Mills
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $409 over the average Owings Mills car insurance company.
The best car insurance provider for Owings Mills drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $384 over the competition.
The best car insurance company for Owings Mills drivers with speeding tickets
>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $447 better than other car insurance companies.
The best auto insurance for Owings Mills drivers with a DUI conviction
Getting a quote from Erie Insurance may cost the average person with a DUI about $722 less each year.
The least expensive car insurance company for new and young drivers in Owings Mills
In Owings Mills, Erie Insurance costs young drivers $1,387 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Owings Mills
State Farm gave the largest car insurance discounts to married couples, averaging $248 saved each year compared to an average Owings Mills couple's premiums.
The cheapest car insurance in Owings Mills for drivers with bad credit
The best Owings Mills car insurance company for customer service
Nationwide was the best company for customer service in Owings Mills according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Owings Mills, which was better than other insurers.
The cheapest large national provider in Owings Mills
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Owings Mills driver can expect to pay about $133 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Owings Mills, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with accidents, married couples, drivers with speeding tickets, young drivers, and good drivers.Auto Insurance Prices in and Around Owings Mills
What Influences the Cost of Car Insurance in Owings Mills?
On average, car insurance in Owings Mills is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Owings Mills is 42 minutes, which is about the national average for a driver in the state.
- Maryland state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Owings Mills are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Owings Mills has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Owings Mills is $125 per month for minimum coverage and $183 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Randallstown: Insurance costs 6.91% more
- Reisterstown: Insurance costs 5.64% less
- Stevenson: Insurance costs 11.82% less
- Glyndon: Insurance costs 11.19% less
- Pikesville: Insurance costs 3.64% less
- Milford Mill: Insurance costs 10.69% more
- Lochearn: Insurance costs 9.60% more
- Windsor Mill: Insurance costs 6.14% more
- Woodstock: Insurance costs 5.87% less
- Lutherville-Timonium: Insurance costs 12.87% less
Cities with Similar Populations
- Bonita Springs: Insurance costs 11.10% more
- Carrollton: Insurance costs 19.83% less
- Carson City: Insurance costs 4.55% less
- Colton: Insurance costs 0.36% more
- Columbia: Insurance costs 35.93% less
- Conway: Insurance costs 25.42% less
- Encino: Insurance costs 20.65% more
- Oak Lawn: Insurance costs 20.55% less
- Sammamish: Insurance costs 29.15% less
- Royal Oak: Insurance costs 37.52% more